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Picking a car insurance company can be difficult: rates may vary based on your driving history, age, and location, and every company's discounts vary. MetLife and SAFECO are two of the most popular car insurance companies, selling competitively priced policies across many states.
In an effort to simplify the comparison process, we have gathered average premiums from SAFECO and MetLife. The below rates cover an array of pricing factors, including credit rating, driving behavior, and age. Compare rates and find your next car insurance policy today.
If you have very poor credit, MetLife could be the best option for you. Typically, MetLife offers lower rates than SAFECO for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or higher — should consider MetLife, which typically beats SAFECO by $362 per year. View typical insurance costs by credit tier for SAFECO and MetLife below.
|Credit score||MetLife avg. annual premium||SAFECO avg. annual premium|
|Very Poor (300-579)||$3,495||$5,308|
|Very Good (740-799)||$1,517||$1,871|
If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI offense in your recent history, SAFECO could be a better choice than MetLife. Each car insurance company prices its policies differently, so don't be afraid to shop around to understand which insurer suits you.
|Violation||MetLife avg. annual premium||SAFECO avg. annual premium|
|At-fault accident (damage < $1,000)||$2,598||$2,546|
|At-fault accident (damage > $1,000)||$1,679||$1,969|
Insurance companies rely on a driver's age to outline potential risk, pricing premiums accordingly. Car insurance is often most expensive for young drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Since every insurance company prices ages in a different way, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose MetLife instead of SAFECO: MetLife offers average yearly savings of $1,331, compared to SAFECO.
|Age||MetLife avg. annual premium||SAFECO avg. annual premium|
Finances aside, MetLife and SAFECO each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||MetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.||At Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!|
|Roadside Assistance||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.||Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||MetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.||Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|Recent Questions||Whose insurance pays for an accident after running a stop sign?|
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|Compare More||MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA||SAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farm Bureau Mutual SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. Nationwide SAFECO vs. North Star Mutual SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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